Can You Get Financing to Build a Boat Dock?


You have the lake house. You have the boat. So, is there anything else you need to prepare for this summer on the water? Yes! A boat dock is just the project you need to improve your waterfront lifestyle. The good news is that HFS Financial is here to help you find the boat dock loan you need.

Choosing Your Materials Matters: Safety Matters

Structure and stability matter when it comes to building a boat dock, so don’t skimp on quality. Part of your dock submerges under water and is subject to harsher conditions. This means that the quality of materials you use is important to keep your dock in ready-to-use and safe condition. 

Boat dock safety is of utmost importance, especially since it involves water activities. When building a boat dock, it is crucial to ensure that it is sturdy and stable enough to withstand any foot traffic and weight. It is also important to consider the weather conditions in the area and ensure that the dock is built to withstand strong winds and waves. 

Additionally, safety measures such as installing handrails, non-slip decking, and proper lighting can go a long way in preventing accidents and ensuring a safe boating experience. Regular maintenance and inspections of the dock are also necessary to ensure that it remains safe and in good condition.

Some people use pressure-treated wood to build their boat dock, but there are other options that last longer. Other dock builders use metal features for added stability. Some homeowners choose composite decking because it has outstanding moisture resistance. It also doesn’t require painting or staining. Choose these or a combination of a few materials for a sturdy boat dock you’ll love.

The Best Boat Dock for You

You’ll also need to take into consideration what type of dock perfectly accommodates your needs. There are several options to choose from.

  • A floating dock stays anchored to the shore and is supported by floatation devices like pontoons. This type of dock is great in cold climates as it is easy to remove and store if you experience water-freezing temperatures. It also rises and falls with water levels, making it one of the most versatile options available.
  • Post docks use leg support about every ten feet and are secured to the bottom of the lake. This makes it semi-permanent, offering stability and security. Most post docks can be moved in a few hours if freezing is a concern.
  • Crib docks are usually installed by professionals and are the most permanent option. The “cribs” are crates you fill with rocks and anchor to the bottom of the lake. It also provides a permanent anchor for walkways or multi-piers, offering superior strength and stability, especially in rougher waters.

How Much to Budget for a Boat Dock

According to HomeGuide, building a boat dock in 2023 can average anywhere between $3,000 all the way up to $30,000. That’s between the cost of the materials and the installation cost. You could DIY build a dock, but considering the importance of safety, it would probably be better to invest in a trusted, reliable builder.

Ready to Dive in?

With HFS Financial, we can help match you to the perfect home improvement loan for all your projects, even for building a boat dock. So if you’re looking for a boat dock loan, look no further. Our loan options offer the best loan terms in the industry.

Take just 60 seconds to fill out our simple inquiry form to get started. With HFS Financial, “You Dream It, We Finance It.”

Can You Get Financing to Build a Boat Dock?

HFS Financial solely operates in the home improvement lending space which means we can confidently say that we are THE HOME IMPROVEMENT LOAN EXPERTS. When you apply at HFS Financial you will get a customized loan experience tailored to ensuring you get the best personal loan to meet your home improvement loan needs.